Revolutionising financial inclusion with seamless credit solutions
We provide seamless, ready-to-launch credit solutions that open financial opportunities for the unbanked, offering customer segment-based liquidity access.
By leveraging alternative data, we build profitable portfolios with higher eligibility pools and lower non-performing loans, ensuring sustainable growth and profitability.
Ezra’s credit solutions
Cash Loans
Instant liquidity, when it matters. Empower customers with flexible micro-loans, helping them cover daily expenses and unexpected costs.
- Instant approvals — Real-time alternative data powers fast credit decisions
- Seamless integration — Proprietary algorithms drive high repayment rates
- Low-risk lending — Our proprietary algorithm ensures high repayment rates
Overdraft
Uninterrupted financial access. Enable businesses to offer seamless overdraft protection, keeping customers covered when funds run low.
- Flexible credit limits — Tailored to customer spending behaviour
- Auto-repayment — Deducts seamlessly from the next deposit or top-up
- Built-in risk management — Minimises exposure while expanding financial access
Line of Credit
Flexible funding, anytime. Enable businesses to offer pre-approved credit lines, giving customers ongoing access to funds within set limits.
- On demand credit — No need to reapply for every transaction
- Transparent costs — Clear fees and structured repayments
- Built for financial resilience — Supports customers with irregular income
Buy Now, Pay Later (BNPL)
Flexible payments, bigger opportunities. Enable institutions to offer BNPL solutions, making purchases more affordable while driving sales.
- Instant approvals — Seamless checkout integration
- Zero upfront cost — Flexible repayment plans
- Increased spending power — Drives larger and more frequent transactions
Airtime Lending
Stay connected, always. Power instant airtime and data top-ups, keeping subscribers online while driving retention and reducing churn.
- Broad eligibility — Up to 95% of prepaid users qualify
- Auto-repayment — Deducted on the next recharge
- Boosts revenue — Increases ARPU and customer engagement
Merchant & Agent Loans
Fuelling business growth. Enable financial institutions and mobile operators to provide working capital loans, helping SMEs and agents scale and expand.
- Fast approvals — Credit based on transaction history and sales data
- Flexible financing — Supports digital and cash-based businesses
- Stronger inclusion — Empowering small businesses to thrive
Instalment Loans
Structured financing made simple. Help customers make big purchases with affordable longer-term loans and predictable repayments.
- Flexible terms — Fixed schedules tailored to customer needs
- Affordable financing — Larger loan with structured payback
- Long-term stability — Empower customers to achieve their goals
